Looking for Backend Engineer (all level) at Cake - a 6M-user Digital Bank. Ideal candidates 'd be proficient in Go, distributed/event-driven systems, running on GCP, GKE, and Istio with auto-scaling, resiliency, and full end-to-end observability. At Cake, we’re a team of passionate, curious technologists on a mission to transform an established industry with ambition no less than being the best in the region. What we’ve built (so far): A best-in-class, cross-platform digital banking app (Flutter), now evolving toward SDUI (Server-Driven UI) for rapid iteration and personalization. First in the region to own our card core, with a distributed core banking platform running entirely on Google Cloud. A credit decisioning system with an advanced scripting engine, processing 1M+ applications/month with < 2 minutes from approval to disbursement. An in-house eKYC platform (iBeta Level 2–certified) plus 100+ models powering credit risk and fraud detection. A cloud-based contact center fully integrated with our in-house CRM and telephony. AI assistance coding tool of choice (GitHub Copilot, Cursor, Claude code...). ... and plenty more under the hood. The next chapter On the next chapter of Cake's journey, we are looking for builders to join us on this exciting ride. What you have Fun on this journey when we scale up Grow exponentially, simply coz we're doing a lot of things that nowhere else can offer. Think about it, we're building a bank from scratch back to front. What you’ll do Design, build, and operate high-impact systems that millions depend on daily. Move fast and not break things under extremely regulated compliance and security requirements. Own the problem, not the solution, be a partner. Measure everything. Iterate quickly. Celebrate shipping. Learn from failures. What you need to be qualified At least 5 years of experience in backend development using Golang or similar languages such as Python or Java. Hands-on experience with high-concurrency systems, ideally for products serving at least 3 million active users. Proven ability to develop and operate large-scale, highly available services, with expertise in resolving bottlenecks and reducing latency. Strong knowledge of microservices architecture, GCP, Kubernetes (K8s) clusters, gRPC, and CI/CD processes. Proficiency in both SQL and NoSQL databases, such as PostgreSQL and MongoDB. Expertise in designing and executing robust unit tests. Experience in the Banking or FinTech domains is highly desirable. Excellent teamwork skills and the ability to thrive under pressure in time-sensitive environments. Preferred Qualifications: A proven track record of impactful technical contributions in similar roles. An exceptional academic background, such as graduating with honors or from a top-tier university. Or participation in prestigious competitions like ACM-ICPC or Mathematics Olympiad (a plus for Junior/Fresher roles). Our Tech stacks Our core services consist of hundreds of Golang microservices built around domain-oriented, event-driven architecture. All run on GCP, GKE, and Istio with auto-scaling, resiliency, and chaos engineering mindset with full end-to-end observability. Our mobile platform was running on Flutter, component-based, composable architecture. Web app largely on TypeScript, React, NextJS, Tailwind CSS and composable in-house design components and framework. GitHub for all code repositories, CI/CD, with Backstage as a centralized developer productivity platform. DevOps culture, you are fully responsible with design, build, and operate your own services with support from SRE, Platform team as needed. Open source lover, and open source contributor. All tooling and platforms used were in-house custom-built on popular open-source projects. Our benefits: Competitive compensation including a 13th-month wage and up to 3 months of performance-based bonus. BE Corp budget (Vary from your level) is allocated for using services such as transportation, food, and passenger car bookings in Be application. MacBooks and needed devices are currently supplied to all technical team members. Social insurance (BHXH) (vary from your levels) and 100% gross salary applied including probation. Annual health checks and premium medical healthcare (PTI) after probation. 15 days of annual leave is applied for the entire employees. Cozy and creative working space, comfortable working hours, exceptional team members, fast-growing & prosperous products and cutting-edge technical stacks. Company trips, team-building activities, and happy hour events are organized on a quarterly or annual basis.

About the Role Cake by VPBank is one of Vietnam's fastest-growing digital banks — 6M+ users and on a mission to become the NextGen AI Bank. We believe generative AI will redefine banking: smarter, faster, and more human. As a Senior GenAI Engineer, you'll drive our generative AI capabilities — LLMs, foundation models, and multimodal systems — across the full lifecycle: from adapting frontier models to shipping reliable, low-latency AI services for millions of users. Expect genuinely hard, Vietnamese-first problems, your own physical GPUs, and the freedom to bring the latest techniques into production fast. Key Responsibilities Build or adapt models for Cake's own use cases — not just call third-party LLM APIs. Fine-tune and align LLMs and foundation models for real banking use — conversational and agentic assistants, fraud & risk, document intelligence, and Vietnamese-language understanding. Build end-to-end pipelines: data preparation, fine-tuning and alignment (SFT; PEFT — LoRA/QLoRA; preference optimization — DPO/SimPO/KTO; RL with verifiable rewards — GRPO/RLVR; agentic / tool-use RL — executable environments; distillation; model merging), rigorous evaluation, and deployment at scale. Optimize models for latency, cost, and reliability in production — serving, quantization, guardrails — and monitor them over time. Explore new architectures and training approaches, and bring emerging advances into production quickly. Champion responsible AI: fairness, safety, and compliance with banking regulations. Collaborate across product, backend, data, and MLOps teams — and mentor junior engineers. Qualifications Bachelor's or Master's in Computer Science, AI/ML, NLP, or a related field — or equivalent hands-on experience. 3+ years in AI/ML with hands-on generative AI — LLMs and/or other modalities such as speech/audio or multimodal. Fluency with modern deep-learning frameworks (PyTorch, Hugging Face). Solid grasp of transformer architectures and modern adaptation — SFT, parameter-efficient fine-tuning (LoRA/QLoRA), preference optimization (DPO/SimPO/KTO), RL with verifiable rewards (GRPO/RLVR), and RAG. A proven track record deploying models to production — not just experiments or notebooks. Clear understanding of how foundation models are trained end-to-end: data curation, tokenization, pre-training objectives, and scaling. Strong problem-solving, a product mindset, and excellent cross-functional collaboration. Nice-to-Have Pre-training or large-scale fine-tuning of foundation models from scratch. Speech/audio or multimodal generative experience — speech-to-speech, TTS/ASR. Publications at top venues (NeurIPS, ICLR, ICML, ACL, CVPR…) — or strong open-source contributions, competition wins, or well-known technical projects. Production optimization: modern serving stacks (vLLM, TGI, SGLang), quantization, and latency/cost tuning. Cloud & containerized deployment — GCP preferred; AWS or Azure welcome; Kubernetes a plus. Vietnamese or low-resource NLP, or fintech / digital-banking experience. Why You’ll Love Working at Cake • Build generative AI systems used daily by 6+ million users — your work makes an immediate, tangible impact. • End-to-end ownership: from foundation-model research to production deployment. • Work with a cutting-edge cloud-native stack (GCP, Vertex AI, Kubernetes, Airflow) and large-scale GPU compute. • Collaborative, high-performing tech culture where experimentation and innovation are encouraged. • Competitive compensation and the opportunity to grow within a fast-scaling digital bank. Our Benefits • Competitive compensation including a 13th-month wage and up to 3 months of performance-based bonus. • MacBooks are supplied to all technical team members. • BE Corp budget (varies by level) for transportation, food, and car bookings in the Be application. • Social insurance contribution amount based on individual level. • Annual health checks and premium medical healthcare (PTI) after probation. • 15 days of annual leave for all staff. • Company trips, team-building activities, and happy-hour events on a quarterly or annual basis.

We are looking for an experienced Payment Product Manager to drive the development of account management, fund transfers, investment, saving, and other core financial functions. As a key member of the tech product team, you will work closely with engineering, operations, compliance, and business stakeholders to build scalable, secure, and efficient payment solutions for our financial ecosystem. Key Responsibilities Own the full product lifecycle: strategy, design, execution, and continuous improvement. Design and enhance features across: • Account management (CASA, saving, linking accounts) • Fund transfers & payment flows • Investment and other digital finance products Collaborate with cross-functional teams (engineering, operations, compliance, finance, business) to deliver robust and regulatory-compliant solutions Define clear product goals, success metrics, and continuously monitor performance. Provide support on reconciliation and accounting flows related to digital transactions. Leverage a data-driven mindset — analyze transaction flows, customer usage patterns, and funnel metrics to guide prioritization. Advise on best practices in accounting flows, reconciliation, and transactional systems. Lead product lifecycle discussions: discovery, design, validation, and rollout. Support RFPs, client workshops, and consulting engagements for payment and digital finance solutions. Requirements 3+ years of experience in Product Management / Consulting in payments, fintech, or financial services. Background as Engineer, EM, or Technical Consultant is preferred. Strong understanding of digital banking workflows, transaction money flows, and financial operations. Proven ability to work closely with technical teams (developers, QA) as well as business stakeholders. Excellent analytical, communication, and documentation skills. Comfortable working in Agile environments with tools like Jira, Figma, Confluence. Preferred Qualifications Deep understanding of accounting flows in banking/fintech (ledger entries, posting rules, double-entry systems). Experience integrating financial APIs and third-party services. Knowledge of regulatory and compliance frameworks (eKYC, AML, data security). Prior consulting experience in core banking transformation is a plus. Our benefit: Competitive compensation including a 13th-month wage and up to 3 months of performance-based bonus. MacBooks are currently supplied to all technical team members. BE Corp budget (vary from your levels) is allocated for using services such as transportation, food, and passenger car bookings in Be application. The social insurance contribution amount will vary based on the individual’s level. Annual health checks and premium medical healthcare (PTI) after probation. 15 days of annual leave is applied for the entire employees. Company trips, team-building activities, and happy hour events are organized on a quarterly or annual basis.

Cake, a leading Vietnamese digital bank with a rapidly growing user base exceeding 6 millions, is on a mission to become the NextGen AI Bank. We leverage cutting-edge AI and data science across all our services and activities. We‘re seeking talented individuals to become cornerstones in building a high-performing digital Bank. You‘ll proactively research and implement the latest advancements in AI and data science, continuously developing and training models to achieve optimal results, especially the Financial Services Recommendation and Credit Scoring models. Responsibilities Lead and execute complex data science projects: Identify and prioritize data-driven business problems across various areas like customer acquisition, engagement, risk management, and product development. Work closely with business stakeholders to understand their challenges and translate them into actionable data science problems. Design, develop, and implement machine learning and statistical models to solve business problems and generate actionable insights. Ensure model interpretability to facilitate communication with non-technical stakeholders. Monitor and evaluate model performance, iteratively improve models, and address potential biases. Collaborate with cross-functional teams: Partner with product managers, engineers, and business analysts to bridge the gap between data science and business needs. Communicate complex technical concepts effectively to both technical and non-technical audiences. Translate data-driven insights into actionable recommendations and collaborate on implementing them. Contribute to the growth of the data science team: Mentor junior data scientists and share your expertise. Stay up-to-date on the latest advancements in data science and machine learning, and propose innovative solutions to improve efficiency and effectiveness. Requirements Technical Skills: Bachelor‘s degree in Data Science, Statistics, Computer Science, or related field. Proven your outstanding profile through your education background or achievements throughout the high-scale applications/projects. 2+ years of experience in a data science role with a proven track record of successful project delivery. Proficiency in programming languages like Python and R, with experience in libraries like scikit-learn, TensorFlow, or PyTorch. Strong understanding of machine learning algorithms, statistical modeling, and data analysis techniques. Experience with big data technologies and cloud platforms (e.g., AWS, GCP, Azure) is a plus. Business & Product Acumen: Strong understanding of financial services and the digital banking landscape. Ability to translate business problems into data science initiatives and communicate results effectively to stakeholders. Possess a data-driven mindset and a passion for applying data science to solve real-world business problems. Project Management Skills: Experience in managing complex data science projects from inception to completion. Excellent communication, collaboration, and problem-solving skills. Ability to prioritize tasks, manage time effectively, and meet deadlines. Our benefit: Competitive compensation including a 13th-month wage and up to 3 months of performance-based bonus. MacBooks are currently supplied to all technical team members. BE Corp budget (Vary from your level) is allocated for using services such as transportation, food, and passenger car bookings in Be application. Annual health checks and premium medical healthcare (PTI) after probation. 15 days of annual leave is applied for the entire staff. Company trips, team-building activities, and happy hour events are organized on a quarterly or annual basis.